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@Anonymous wrote:I just called Chase and asked how I could request that they report the new "zero balances" to the credit bureaus.
I was told that it could not be done manually - that I would have to wait until the normal credit card reporting cycle hit - which is 2+ weeks from now.
I have also called Experian 3 times today to try to take to a customer service rep there for some help/explanation. Each time I was put on hold and the call was dropped/terminated after a 15-minute wait. Very frustrating.
Bummer.
It's not true. Chase reports the zero balances AUTOMATICALLY within a day or two. The CSR was ignorant.
You're not going to be able to get Experian to change. If you have their Credit Watch or Credit Watch Premium, just pull your report daily. You'll get a nice surprise one day.
As the expert posters here suggested, the Experian credit reported updated overnight with 3 paid-off Chase credit cards.
My EX FICO 8 score is not up to 792 - but that darn EX FICO 2 score is still stuck at 719 - that is still 1point from what I need.
In case it provides any more insight, I have attached a summary shot of my EX CreditWatch page.
I just called EQ. They told me that once they receive the "zero balance" data from Chase that it will take 30-90 days to show up in my EQ credit report. That sounds like misinformation, but who knows?
@Anonymous wrote:I just called EQ. They told me that once they receive the "zero balance" data from Chase that it will take 30-90 days to show up in my EQ credit report. That sounds like misinformation, but who knows?
LMAO!!! That's just the sillyest response ever from a CSR that doesn't know anyhing about how credit works.
I mean your CR is spotless other than normal day to day activities. Scores are calculated based on the data provided at the time of the pull. No magic timeline of when updated data gets crunched as the CSR suggested.
There has to be some undderlying reason why... it's usually something silly like .01% being paid down on a TL to bring it into ideal range or switching up the scorecard from one to another by hitting a threshold of some sort.
So, SJ has already posted the more accounts reporting $0 adds points. Now, it's not realistic to payoff your balances but, hopefully the ones you did will be enough to get over that 720 hurdle.
O-E and SJ,
Thanks for your help.
I still can't fathom that paying 3 Chase cards down to zero overnight didn't at least garner me 1 point in FICO Score 2.
I'll keep pushing until either I get across the line or until time runs out on me. LOL
@Anonymous wrote:O-E and SJ,
Thanks for your help.
I still can't fathom that paying 3 Chase cards down to zero overnight didn't at least garner me 1 point in FICO Score 2.
I'll keep pushing until either I get across the line or until time runds out on me. LOL
Patience.
Looking back at some mortgage score you had in October 2018, 730+, 755, 719. Unless there has been way more utilization or new accounts, are you now down to 719 as your "middle" mortgage score, and need one point to qualify, or is the middle score (toss out highest and lowest to obtain) already over 720? This is what lenders will use in a tri-merge on your reports.
Yes, my current 3 mortgage scores are 713-747-719 - I need to get my middle score to 720.
My credit card utilization is much lower than it was back in October 2018 when I was at 732-755-719.
The last number (719) is Experian Score 2. In the past 10ish months it dropped once from 719 down to 709 and back up once to 719. I can't believe it doesn't change more often. The EX and TU mortage scores have changed dozens of times during that same time period.